Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Embassy Bank For The Lehigh ValleyBank | Exceptional | Exceptional | Strong | Exceptional | $658Fees | 0.117%Below | 172 | |
2 | ESSA Bank & TrustBank | Exceptional | Exceptional | Strong | Strong | $179Fees | 0.226%Above | 86 | |
3 | PENNSYLVANIA STATE EMPLOYEES Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | $570Fees | 0.111%Below | 36 | |
4 | First Commonwealth Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | $862Fees | 0.140%Above | 108 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $946Fees | 0.306%Below | 58 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,070Fees | 0.188%Above | 543 | |
7 | Mortgage America, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,135Fees | 0.251%Above | 309 | |
8 | The Fidelity Deposit and Discount BankBank | Strong | Strong | Strong | Strong | $1,536Fees | 0.327%Above | 95 | |
9 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $48Credit | 0.113%Above | 82 | |
10 | Truist BankBank | Strong | Strong | Strong | Strong | $452Fees | 0.141%Above | 75 | |
11 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,866Fees | 0.093%Below | 53 | |
12 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Strong | Exceptional | Sound | Sound | $810Fees | 0.030%Below | 40 | |
13 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,153Fees | 0.097%Above | 144 | |
14 | Firstrust Savings BankBank | Strong | Sound | Strong | Exceptional | $2,240Fees | 0.431%Above | 102 | |
15 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,478Fees | 0.454%Above | 60 | |
16 | NJ LENDERS CORP.Independent Mortgage Company | Strong | Strong | Strong | Sound | $2,065Fees | 0.120%Above | 33 | |
17 | KeyBank National AssociationBank | Strong | Strong | Strong | Sound | $1,623Fees | 0.028%Below | 31 | |
18 | The Huntington National BankBank | Strong | Strong | Strong | Sound | $1,609Fees | 0.100%Above | 30 | |
19 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | $1,461Fees | 0.198%Above | 21 | |
20 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,217Fees | 0.438%Above | 788 | |
21 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,652Fees | 0.555%Above | 239 | |
22 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,865Fees | 0.496%Above | 231 | |
23 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,540Fees | 0.344%Above | 216 | |
24 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,966Fees | 0.355%Above | 128 | |
25 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,887Fees | 0.347%Above | 125 | |
26 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,828Fees | 0.342%Above | 108 | |
27 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,944Fees | 0.257%Above | 93 | |
28 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,365Fees | 0.323%Above | 91 | |
29 | Fulton Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,690Fees | 0.356%Above | 84 | |
30 | Univest Bank and Trust Co.Bank | Strong | Sound | Strong | Strong | $1,451Fees | 0.265%Above | 74 | |
31 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,734Fees | 0.566%Above | 785 | |
32 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,598Fees | 0.284%Above | 299 | |
33 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,370Fees | 0.408%Above | 107 | |
34 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,175Fees | 0.521%Above | 90 | |
35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,934Fees | 0.474%Above | 64 | |
36 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,125Fees | 0.476%Above | 60 | |
37 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,429Fees | 0.387%Above | 54 | |
38 | Community Bank, National AssociationBank | Strong | Sound | Strong | Sound | $7Fees | 0.980%Above | 34 | |
39 | NexBankBank | Strong | Sound | Strong | Sound | $3,514Fees | 0.233%Above | 25 | |
40 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Exceptional | $2,657Fees | 0.428%Above | 310 | |
41 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,769Fees | 0.328%Above | 101 | |
42 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,250Fees | 0.234%Above | 79 | |
43 | Quaint Oak Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,227Fees | 0.456%Above | 68 | |
44 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,151Fees | 0.581%Above | 48 | |
45 | TD Bank, National AssociationBank | Strong | Sound | Sound | Sound | $792Fees | 0.334%Above | 37 | |
46 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $3,985Fees | 0.515%Above | 28 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Sound | $2,068Fees | 0.201%Below | 25 | |
48 | USAA Federal Savings BankBank | Strong | Sound | Sound | Sound | $2,042Fees | 0.125%Below | 24 | |
49 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $3,359Fees | 0.552%Above | 21 | |
50 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Sound | $4,632Fees | 0.172%Below | 20 |
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.